When shopping for car insurance, knowing what discounts are available can put money in your pocket. As high as auto insurance premiums have risen, even a 3% to 5% discount can mean real savings. Below is a brief discussion on some of the discounts available. Ask your agent about these discounts when you get a quote to make sure you get all the discounts you qualify for.

If you've been continuously insured for 6 months or more, most insurance companies will offer big savings over their rates for people with no prior coverage. Additionally, if you've been with your current carrier for more than a year, many insurance companies will further discount their rates in order to attract your business. When getting a quote, be sure to tell the agent how long you have had insurance, and how long you have been with your current insurance company.

Home Ownership Discount

Are you buying your home? Most auto insurance carriers will give you a discount even if you don't insure your home with them. Make sure you tell your agent if you are a home owner.

Multi Car Discount

Do you own more than one vehicle? It pays to put all your vehicles on one policy. Most auto insurance carriers give a discount when you insure more than one vehicle with them.

Paid In Full Discount

Can you pay 6 months in full? Many insurance companies will give you a discount for paying in full instead of on monthly installments.

Electronic Funds Transfer Discount

If you prefer monthly payments, you may still be able to realize substantial savings if you have a checking account and have the insurance company draft your monthly installments directly each month. Ask your agent if they have an

Advanced Quoting Discount

It pays to shop in advance for your auto insurance. Some insurance companies will give you a discount if you get your quote at least 8 days before your current policy expires. Make sure you tell your agent when your current policy expires when you call for a quote to see if this discount is available.

Paperless Discount

Can you receive correspondence by email or access through the internet? Some insurance companies will discount your auto insurance policy.

Increased Limits Discount

When calling for quotes, make sure you tell the agent if you carry liability limits higher than the Texas state minimum limits (30/60/25). Many insurance companies offer a discount when you have carried higher liability limits.

Educational Level Discount

Progressive Insurance offers various discount levels for having gone to college. Tell your agent about your educational level. Even if you don't have a degree, you can still get a discount for having taken college courses. Hemphill Insurance Agency in Fort Worth, Texas is a Progressive Authorized Independent Agent.

SNAPSHOT

Snapshot is a Pay As You Drive program, a type of usage-based insurance. That means that we look at how you drive and reward you with a discount if you're a safe driver. SNAPSHOT is offered by Progressive Insurance.

Here's how it works: Progressive will send you the Snapshot device in the mail. Plug the device into your car and drive to share information about how you drive, how much you drive, and when you drive with Progressive. Safe drivers could be rewarded with a discount up to 30 percent. There is no risk of your rate increasing from Snapshot.

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